The CARD Act went into effect in 2009 as a way to protect college students and their credit scores from the danger of too easy debt sweetened by branded swag. The results have been dramatic and part of a larger trend in the credit industry.

A new change to the process of applying for federal financial aid could lead students to make smarter choices when borrowing for college. Starting this year, the Free Application for Federal Student Aid (FAFSA), which was previously available for students and their families to fill out in January, is available starting October 1.

A new survey by Credit Karma finds that contrary to popular opinion, young people really are interested in “adulting” in pretty traditional ways. They are getting married and buying homes and cars in large numbers. They collectively carry more student debt than any generation before, but that is not stopping them from moving forward with their lives and saving for the future.

It turns out having clean air and water is something almost everyone can agree is important. The majority in a recent Credit karma survey ranked the environment as very or extremely important and some segments found it even more important than others.

A new survey by Credit Karma finds that contrary to trending criticisms, young people really are interested in “adulting” in pretty traditional ways. They are getting married and buying homes and cars in large numbers. Urban, suburban and rural 18-34 year-olds are starting families and using credit cards.

Credit Karma looked at the average credit card usage, limits, number of cards, inquiries and collections, plus amount of credit card, mortgage, student loan and auto loan debt for the millennials in our membership of more than 50 million people to determine what mix resulted in higher credit scores.

In Credit Karma’s recent Credit Fumble™ research, almost half of all people surveyed (47 percent) said that they had missed one or more payments on a credit card or loan before they entered their 30s. Where are millennials doing the best job maintaining financial health today?